6Altunbas, Y., et al., "Banking Ownership and Efficiency", Journal of Money, Credit and Banking, Vol. 33, pp926-954.
7Battese, G.E. and Collie, T.J., 1992, “Frontier Production Functions, Technical Efficiency and Panel Data: With Application to Paddy Farmers in India”, Journal of Productivity Analysis, Vol. 3, pp 153-169.
8Battese, G.E. and Collie, T. J., 1995, "A Model for Technical Inefficiency Effects in a Stochastic Frontier Production Function for Panel Data", Empirical Economics, Vol. 120, pp 325-332.
9Bauer, P.W. and Hancoker, 1993, "The Efficiency of the Federal Reserve in Providing Check Processing Services", Journal of Banking and Finance, Vol. 17, pp287-311.
10Berger, A. N., Humphrey, D. B. 1997, “Efficiency of Financial Institutions: International Survey and Directions for Research European”, Journal of Operational Research, Val. 98,pp175-212.
